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RAKislamic Gold Credit Card

We believe you simply deserve the best. That’s why in keeping with your lifestyle we have created the Gold Credit Card just for you.


Introducing the new Sharia compliant Gold Credit Card which is more customer friendly than ever and offers you a world of rewards, and benefits.  The Gold Credit Card offers you RAKrewards, Global Acceptance & Cash Withdrawals Anywhere, RAKfoodie dining privileges, Travel benefits, Takaful Benefits, Utility Bill Payments made easy, Flexible Payments, and No Annual Fee Ever!

Use your Gold Credit Card today and start earning RAKrewards. The more you spend, the more you earn.*


Spend Tiers on domestic and international transactions RAKrewards on spends/month per AED 1
 AED1000 - AED2999 1.25
3000 and above 2.50
Max. Reward cap in a month (statement cycle) 37,500

You benefit from the RAKrewards partnerships to earn and redeem your rewards. Amongst  the large range of redemption choices available are:

  • Over 300+ Airlines, 300,000+ hotels and a host of travel experiences
  • Dining Vouchers
  • Wide range of electronics and home appliances
  • RAKrewards are valid for 36 months.

Please click here to view more information and redeem RAKrewards

  • No annual fee EVER!
  • Low profit rate on outstanding Retail Purchases
  • Exclusive offers on electronics, jewellery, holidays, dining, furnishing and much more
  • Up to 55 days profit free credit
  • FREE Supplementary Cards
  • FREE Purchase Protection
  • FREE Travel Accident Insurance
  • Cash Advance of up to 80% of your Credit Limit
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Travel in style! Exclusive global discounts and privileges on premium brands and hotels on your Credit Card
  • European Shopping Villages Luxurious shopping discount Up to 60%. Click here to know more. 
  • Pay your Credit Card bills at any RAKBANK ATM or EDM, or one of the following exchange houses: UAE Exchange, Redha Al Ansari Exchange, Al Ansari Exchange, Sharaf Exchange, Al Fardan Exchange or Lulu Exchange outlets.
  • On your next vacation get up to 10% Cashback on Booking.com with your RAKislamic Mastercard Credit Card. Simply register on www.booking.com/mastercardmea and make a booking entering your eligible RAKislamic Mastercard Credit Card details upon checkout. (Please note that the Cashback will be credited to your Card. The time to credit cashback may vary as per the T&Cs).*
  • Enjoy 10% OFF the price of your booking on rentalcars.com, the world’s leading online car rental aggregator. It arranges car rentals from major and local brands in 60,000 locations, across 160 countries. Simply go to https://www.rentalcars.com/?affiliateCode=mastercard047&enabler=mastercardme to make your booking. The discount will be applied at checkout, after you enter your eligible RAKislamic Mastercard Credit Card details.*
  • Explore 2–for-1 Priceless offers and discounts to discover new restaurants and treat the family to a vacation for less. Use it across the UAE, KSA, Bahrain, Oman, Kuwait, Jordan, and Lebanon. For new users, simply download the Priceless Specials mobile app from the App Store or Google Play Store and register with the first 8 digits of your Card to start saving. For existing users, your Mastercard Buy 1 Get 1 app will be updated to Priceless Specials app.*

*Terms and conditions apply

  • With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKislamic Cards.
  • Book a ride with Uber and have your own personal driver take you where you need to go. Choose the car type that suits your taste, book on the spot or schedule for a later pickup and enjoy the comfort of your ride. Travel across select countries in the Middle East &Africa with your Mastercard® and enjoy 20% off the first three rides taken during any given month.
  • 5% tolerance allowed over and above the Credit Card limit to approve the transaction - any transaction in excess of the Credit Card limit will attract upgrade fee.
  • Maximum Reward cap in a month (within a statement cycle) is 37,500 RAKrewards.
  • Effective May 17th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.35 RAKrewards for every AED 1 spent.
  • Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
  • For redemption, the minimum available RAKrewards balance should be 10,000.
  • Cash withdrawals are permitted only up to 80% of the Credit Card limit.
  • Balance transfer is permitted up to 95% of available balance.
  • Smart cash is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).
  • Credit Card cheque is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).
  • These services are offered subject to approval of the Bank.
  • Customer must disclose their income accurately, provide valid identity and employment details and evidence them with authentic documents.
  • Customer is obligated to make monthly payments due under the Credit Card as per due date to avoid donation amount & finance charges.
  • The Bank may amend the features, fees, charges, terms & conditions of the Credit Card on 60 days’ notice to you in advance.
  • The Bank may amend the profit rates for the Credit Card on 30 days’ notice to you in advance.



  • If you are late in payment or fail to make the applicable payments on the due date, you will pay default finance charges at the rates described in the Service & Price Guide.
  • If you make only the minimum payments during each billing period, you will pay more in finance charges and it will take you longer to pay off your outstanding balance.
  • If you fail to make a payment or otherwise breach the Credit Card terms, this will be a default and the Bank will be entitled, among other things, to:
    • (a) cancel the Credit Card and demand full repayment immediately;
    • (b) report the default to the appropriate regulatory authorities including the UAE Central Bank, Al Etihad Credit Bureau and other credit rating agencies, which will affect your credit rating;
    • (c) Bring legal proceedings against you.
*Note: Verification Image text is case sensitive

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